Ayothusi into yokuba kusazofuneka siphile ngenzala ephantsi kakhulu, nkqu nembuyekezo embi. Zombini kwelinye icala nakwelinye iAtlantic emva kwezigqibo zabasemagunyeni abo bezemali. Kodwa ngokuqinisekileyo iya kuba ngu utshintsho lwesicwangciso kutyalo-mali lwethu ukususela ngoku ukuya phambili. Kungenxa yokuba oku kungafaniyo kwipotifoliyo yotyalo-mali kunokufaka imali eseleyo kwicala elinye okanye kwelinye. Ngexesha apho ukungazinzi kwiimarike zezemali kuye kwabuyela ukuhlala ixesha elide.
Amaxabiso aphantsi kwiimarike zamashishini anokulingana rhoqo zamkelwe kakuhle ngabatyali mali abancinci nabaphakathi. Phakathi kwezinye izizathu, kuba eli nyathelo lemali lifaka ukuthengiswa okukhulu kwiimarike zezemali. Kodwa kukho amanye amacandelo axhamlileyo ngolu hlobo lwamanyathelo.
Apho ukuboleka kungabizi kakhulu kwaye le nto inokuchaphazela izigqibo onokuzenza kubudlelwane bakho nelizwe elihlala linzima lemali. Musa ukugxila kuphela ekuthengiseni nasekuthengiseni izitokhwe kwimarike yemasheya. Ukuba akunjalo, ngokuchaseneyo, unokukhetha ezinye iindlela kutyalo-mali.
Amaxabiso asezantsi: mabi kwiibhanki
Lo mlinganiso wemali wonakalisa ngokugqithileyo kwimidla yamashishini emali. Ngenxa yokuba imida yabo yokungena iphantsi kwaye ngenxa yoko inzuzo yabo ihlupheka yile nyani yobalo kwiinkampani ezidwelisiweyo. Ukuza kuthi ga kwinqanaba lokuba amaxabiso abo ehle kwiimarike ze-equity kwaye ngamanye amaxesha ngamandla amakhulu, njengoko kusenzeka ngalo mzuzu. Ibhanki Banciphise amaxabiso kwiinyanga ezidlulileyo ngenxa yokwehla komgaqo-nkqubo wezemali kummandla we-euro.
Ngelixa kwelinye icala, asinakulibala ukuba umvuzo wabo uphantsi kuba imigca yetyala abathengisa ngayo yenziwe ngenzala ephantsi kunakwiminye iminyaka. Ukongeza, ezinye iibhanki zihlupheka kakhulu kule migaqo-nkqubo yemali kwaye ziqhuba amaxabiso ezabelo zazo kuwo onke amaxesha aphantsi kule minyaka yangoku. Ke ngoko, kunokutshiwo ngokucacileyo ukuba ayiloxesha lifanelekileyo lokuthatha isikhundla kwezokhuseleko kwicandelo kuba basenokukunika okunye ukungoneliseki.
Gcina imali ekuphuhliseni ishishini
Ngokuchasene noko, enye yeendlela onokuthi uzenze ukuba imali yakho ibe yinzuzo kukuqala naluphi na uhlobo lweshishini. Kungenxa yokuba unokufumana iikhredithi ezingabizi kakhulu kunakwiminyaka embalwa edlulileyo, ukuze ngale ndlela ukwazi konga izishumi ezimbalwa zepesenti okanye inqaku kwiikhredithi zeminyaka eli-10 eyadlulayo. Yinto eya kuthi ngokungathandabuzekiyo ikuncede uhlangane neemfuno zeshishini kwiprofayili yakho yobungcali. Ukuza kuthi ga kwinqanaba lokuba kunokuba yenye into ecacileyo kutyalo-mali.
Ngeli xesha, iibhanki zibonelela ngokufumana ukuhlawula amatyala ukuseta ishishini uthotho lwemigca yamatyala ngenqanaba lenzala eliphakathi kwe-7% kunye ne-9%. Ukongeza, kwinxalenye enkulu yezindululo zebhanki uxolelwe kwiikomishini kunye nezinye iindleko ekulawulweni nasekugcinweni kwayo. Ngeemeko ezithandeka ngakumbi ngenxa yokwehla kwenqanaba lenzala kwaye zikumema ukuba ukhethe olu hlobo lotyalo-mali olukhethekileyo kwaye olujolise kubatyali mali abanobungozi obuninzi.
Ukuthenga ikhaya lesibini
Utyalomali lokuthengiswa kwezindlu nomhlaba yenye yeendlela onokuthi uzenze ngalo mzuzu ukwenza ukuba imali oyifumanayo inenzuzo. Ngale ndlela, kuyinyani ukuba amaxabiso endlu anyukile kunyaka ophelileyo ngamanani aphindwe kabini ngenxa yobungakanani bemarike yokuthengisa izindlu nomhlaba. Kodwa ukuthanda kwakho kudlala inyani yokuba imali mboleko isabiza ixabiso eliphantsi kunakuqala. Apho unokufumana khona ukusasazeka ngezantsi kwe-1% kwezinye iimeko. Kananjalo nokukhululwa kwiikhomishini kunye nezinye iindleko kulawulo nakulondolozo lwayo. Ukuze ngale ndlela, wenze umsebenzi ube nenzuzo kwiminyaka eliqela.
Kwelinye icala, unokwaba ikhaya lesibini lendawo yokurenta kwaye uvelise ingeniso emiselweyo kunye neqinisekisiweyo inyanga nenyanga rhoqo ngonyaka. Apho kufuneka kuthathelwe ingqalelo ukuba inzuzo yerenti iphinde yahlaziywa ngama-50% okoko yaphela ingxaki yezoqoqosho eSpain. Oko kukuthi, ngaphezulu komdla oveliswe kukuthengwa nokuthengiswa kwezabelo kwiimarike zezabelo. Ukuya kwinqanaba lokuba ibeyinxalenye entle yabatyali mali abancinci nabaphakathi. Ngamathemba amahle, ubuncinci kule minyaka mibini okanye mithathu izayo.
Thatha izikhundla kwigolide
Esi sinyithi sixabisekileyo ngokwesiko sithathwa njengesixhobo semali ngokugqwesa. Ngokubuya okugqwesileyo kwiinyanga ezilishumi elinambini ezidlulileyo kwaye oko kukhokelele kwisinyithi segolide Ukuhlaziya ngaphezulu kwama-60%. Into ekunje ngoku inzima kakhulu ukuyifezekisa ngeemveliso zemali ezinje ngemali yotyalo-mali, izinto eziphuma kuzo okanye iziqinisekiso. Ewe kunjalo, ukuphindaphinda okanye ukuphindaphinda kathathu imali onokuthi uyenze inzuzo kwimisebenzi yokuthenga nokuthengisa izabelo kwiimarike zezabelo.
Ngelixa kwelinye icala, enye into ekufuneka uyivavanye ukusuka kula maxesha achanekileyo yinyani enxulunyaniswe nayo ukungazinzi okuphezulu Ingadlala kwimidla yakho njengomtyali mali ophakathi nophakathi. Ngenxa yokuba ukunyuka kwamaxabiso kunokuqhubela phambili ukunyuka kwamaxabiso esinyithi etyheli. Ngokukodwa ukuba iimali ezinkulu zotyalo-mali zithathe isigqibo sokubheja kule asethi yemali efanelekileyo yokuthatha izikhundla ngeli xesha. Inezimvo ezilungileyo zabahlalutyi bezemali ngokwembono yezobugcisa.
Ukubeka iliso kumngcipheko
Ubudlelwane ngokuthe ngqo beprimiyamu yomngcipheko notyalo-mali kwii-equity ayihambelani ngqo kuba ayihambelani nokuvela kwayo. Kodwa ngoku, inyani yokuba Umahluko welizwe uyancipha ngereferensi yayo ziindaba ezimnandi kuqoqosho lwayo kwaye, ithiyori, kufanelekile ukuba ibonakalise ukuvela kwee-indices zayo njengoko kunjalo kuqoqosho olunokhuphiswano. Kwaye ngokuchaseneyo kwimeko echaseneyo. Ukuphuculwa kwale parameter kufuneka kuncede kwiimarike zamasheya zibukeke zingcono kwaye amaxabiso ezabelo zawo anyuka.
Phakathi kwezinye izinto kuba ibonisa ukuba kukho ukuzithemba okukhulu kuqoqosho lwesizwe kwaye oku kungafakwa kwenye inkampani enegalelo. Kodwa oku akusoloko kunjalo, kuba ngokuqinisekileyo iya kulawulwa zezinye izinto ezingaphandle kwemarike yengeniso esisigxina, kwaye kule meko zixhomekeke kwimeko yokwenyani yeenkampani. Ukusuka kolu luvo, ayizukucebisa ncam ukuzibeka kwimarike yemasheya ukuba inzuzo yenkampani yehle kwiminyaka ezayo. Endaweni yoko, isenzo esifanelekileyo kukukhetha ukuthengwa kolu hlobo lweemveliso zengeniso esisigxina, ngokuthe ngqo okanye ngenkxaso mali.
Ngaphakathi kwengxowa, ii-electrics
Ewe kunjalo, elinye lamacandelo amakhulu kwiimarike zezabelo ezinokuthi zixhamle kule meko siyicebisayo yile yeenkampani zombane. Isizathu kukuba kunjalo ndinetyala elikhulu kwaye inzala ephantsi iyaluphucula ulindelo lwabo lokufumana inkxaso-mali engaphezulu okanye yokuhlawulwa kwamatyala esele bekwenzile kwiminyaka edlulileyo. Ukuya kwinqanaba lokuba ixabiso lezabelo zalo linokuthatha le ndlela kwezona zinamandla kunaniselwano ngeempahla zamanye amazwe, ngakumbi iSpanish.
Ngelixa kwelinye icala, asinakulibala ukuba eli candelo leshishini lelona lithembisayo lokusasaza isahlulo esifanelekileyo phakathi kwabanini zabelo. Ngenqanaba lokufumana inzuzo Amanqanaba aphakathi kwe-5% ne-7% ngentlawulo emiselweyo neqinisekisiweyo minyaka le. Njengenye yezinto ezikhuthazayo abatyali mali kufuneka bakhe iphothifoliyo yotyalo mali.
I-FED yehlisa inzala
I-Federal Open Market Committee ye-United States Federal Reserve (Fed) ithathe isigqibo sokunciphisa amaxabiso wenzala ngekota yepesenti, ukuya kwinqanaba ekujolise kulo phakathi kwe-2% kunye ne-2,25%, ngaloo ndlela kuzalisekiswa okulindelweyo kwintengiso. Eli lelokuqala ukwehla kwixabiso lemali ukusukela ngasekupheleni kuka-2008, xa amaxabiso ayehliswa ukulwa ukudodobala kwezoqoqosho.
Nangona ukusukela ngoku, iimarike zezabelo ziya kuba zilinde imiqondiso emitsha evela kwelona gunya liphezulu lezemali e-United States malunga nokuncitshiswa kwenzala. Kwaye ngokuqinisekileyo baya kwamkelwa kakuhle ngabatyali mali abancinci nabaphakathi. Kungenxa yokuba asinakulibala ukuba oku kusikwa kutsha kufikile kubambisene kwaye abalamli bezezimali bafuna amanyathelo angakumbi anokuxhasa iimarike zentengiso kwihlabathi liphela kwaye ngakumbi abo bakumda weYurophu. Ngokunyuka okunokubakho kwii-indices zayo eziphambili zesitokhwe.